I would have gone nuts if I'd have had to wait for facial hair or a deep voice before even making an effort, but everyone's different. I am still pre-T and pass 99% of the time. Maybe I'm lucky that I don't have very feminine features, but with the right haircut and cosmetic effects I have no issues most of the time. I know that the Real Life Test isn't mandatory, but a lot of docs require it when you start T. If you're reluctant to present as your innate gender because you're not sure you pass, then some docs may question it. I'm not saying they're right, but a lot of guys full-time when they start T and even before.